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Personal accounts
Pick from the drop-downs below to see the rates for each product. If you previously had an Instant Saver, it's now a Flexible Saver.
Balance
£1 – £5,000
Over £5,000
AER p.a. (variable)
5.25%
1.00%
Gross p.a. (variable)
5.13%
1.00%
Interest is calculated on a daily basis and paid into your account on the first business day of the month. You’ll be able to see and access the interest in your account on the following day.
Balance
£1 – £10,000
Over £10,000
AER/Gross p.a. (variable)
1.25% / 1.24%
1.00% / 1.00%
Earn 1.25% AER / 1.24% Gross p.a.(variable) on your first £10,000 and 1.00% AER/ 1.00% Gross p.a.(variable) on any amount over £10,000 in your account. Interest is calculated on a daily basis and paid into your account on the first business day of the month. You’ll be able to see and access the interest in your account on the following day.
Balance
£1 - £24,999
£25,000+
AER/Tax-free p.a. (variable)
1.15% / 1.14%
2.45% / 2.42%
Interest paid monthly on the first business day of the month
Balance
£1 - £24,999
£25,000 - £99,999
£100,000 - £249,999
£250,000+
AER/Gross p.a. (variable)
1.00% / 1.00%
1.35% / 1.34%
1.60% / 1.59%
2.10% / 2.08%
Interest is paid on a tiered basis which means you’ll earn one rate on your entire account balance. If, for example, you hold £150,000 in your account your interest rate for will be 1.60% AER / 1.59% Gross p.a. (variable) on your entire account balance. Interest is calculated daily and paid on the first business day of the month and at account closure. You'll be able to see and access the interest in your account on the following day.
Balance
£1+
AER/Gross p.a. (variable)
1.60% / 1.59%
Interest is paid quarterly on the first business day in January, April, July and October and at account closure.
Balance
£1+
AER/Gross p.a. (variable)
1.00% / 1.00%
You will only start to receive interest on any money in your First Reserve Account when your offset savings (and any offset current account) balance is more than your Offset Flexible Mortgage balance. Any interest payable will be calculated daily and paid monthly. If you remove your First Reserve account from the Offset arrangement interest will be calculated daily and paid quarterly on the first business day in January, April, July and October and at account closure. You’ll be able to see and access the interest in your account on the following day.
Balance
£1 - £24,999
£25,000 - £99,999
£100,000 - £249,999
£250,000+
AER/Gross p.a. (variable)
1.00% / 1.00%
1.35% / 1.34%
1.60% / 1.59%
2.10% / 2.08%
Interest is paid on a tiered basis which means you’ll earn one rate on your entire account balance. If, for example, you hold £150,000 in your account your interest rate for will be 1.60% AER / 1.59% Gross p.a. (variable) on your entire account balance. Interest is calculated daily and paid on the first business day of the month and at account closure. You'll be able to see and access the interest in your account on the following day.
Balance
£1+
AER/Tax-free p.a. (variable)
1.60% / 1.59%
Interest paid monthly on the first business day of the month.
Balance
£1-£24,999
£25,000 - £99,999
£100,000 - £249,999
£250,000 - £3,000,000
AER p.a. (variable)
1.00%
1.35%
1.60%
3.30% (includes 2.10% AER (variable) and 1.20% AER bonus (fixed))
Gross p.a. (variable)
1.00%
1.34%
1.59%
3.25% (includes 2.08% gross p.a. (variable) and 1.19% gross p.a. bonus (fixed))
Interest is calculated daily and paid on the first business day of the month and at account closure. You’ll be able to see and access the interest in your account on the following day. During the 12 month term, if you have a balance between £250,000 and £3,000,000, you will earn the bonus interest rate in addition to the variable rate. If your balance drops below £250,000 at any time during the 12 month term, interest will be paid at the variable interest rate on a tiered basis. This means you’ll earn one rate on your entire account balance. The tiers are set out above. Interest is earned from the first payment made to the account.
Balance
£1 - £49,999
£50,000 - £99,999
£100,000 - £3,000,000
AER p.a. (variable)
1.00%
3.00% (includes 1.50% AER (variable) and 1.50% AER bonus (fixed))
3.75% (includes 1.50% AER (variable) and 2.25% AER bonus (fixed))
Gross p.a. (variable)
1.00%
2.96% (includes 1.49% gross p.a. (variable) and 1.49% gross p.a. bonus (fixed))
3.69% (includes 1.49% gross p.a. (variable) and 2.23% gross p.a. bonus (fixed))
Interest is calculated daily and paid on the first business day of the month and at account closure. You’ll be able to see and access the interest in your account on the following day. During the 12 month term, if you have a balance of between £50,000 and £3,000,000, you will earn the bonus interest rate in addition to the variable rate. If your balance drops below £50,000 at any time during the 12 month term, interest will be paid at the variable interest rate on a tiered basis. This means you’ll earn one rate on your entire account balance. The tiers are set out above. Interest is earned from the first payment made to the account.
Balance
£1 – £5,000
Over £5,000
AER p.a. (variable)
7.00% (includes 5.25% AER (variable) and 1.75% AER bonus (fixed))
1.00%
Gross p.a. (variable)
6.79%
1.00%
Interest is calculated on a daily basis and paid into your account on the first business day of the month. You’ll be able to see and access the interest in your account on the following day.
Balance
£1 - £3,000,000 (Up to 3 withdrawals in a calendar year)
£1 - £3,000,000 (4 withdrawals or more in a calendar year)
AER p.a. (variable)
2.50%
1.04%
Gross p.a. (variable)
2.47%
1.04%
Interest is calculated daily and paid monthly on the first working day and at account closure. The number of withdrawals will be set to zero on 1 January each year.
Your savings terms
Your terms are available below:
Instant Access Information Sheets
Savings Account Rates (PDF, 258KB)
Includes Information Sheets for: First Saver Account, Flexible Saver Account, First Reserve Account, Digital Regular Saver, Savings Builder Account, Cash ISA, Primary Savings Account, Defined Access Saver Account (Issue 3)
Digital Regular Saver Switcher Information Sheet
Includes Information Sheet for the 2026 Digital Regular Saver Bonus Rate Switch offer
Limited Edition Saver Information Sheet – Issue 2
Limited Edition Saver Information Sheet – Issue 3
Defined Access Saver Information Sheet - Issue 1
Defined Access Saver Information Sheet - Issue 2
Not sure which savings account is right for you?
Whether you're new to saving, or more of an expert, we can help you find the savings account that best suits your needs. Specific account eligibility criteria applies.